You will need to pay the security deposit after submitting your application. The application will not be complete until funds from the security deposit have been collected by Merrick Bank. Hope this helps.

Many credit card issuers will upgrade a customer's account from a secured credit card to an unsecured credit card after they have used the former responsibly for at least a year. Responsible use means never missing a payment and maintaining reasonable credit utilization (i.e. not maxing out your credit card). Most issuers won't make the upgrade proactively, though, which means you might need to request it. You can read more about switching from a secured card to an unsecured card in our Secured Card Guide https://wallethub.com/edu/secured-cards/19575/#secured-to-unsecured.

You can get a Merrick Bank cash advance at any ATM. It comes with a cash advance APR of 24.7%. The fee for a cash advance is 4% of the transaction amount or $10, whichever is greater. This is on top of any fees an ATM owner may charge. There’s no grace period on a cash advance so interest starts accruing right away.

You will need a PIN for your Merrick Bank credit card to make a cash advance through an ATM. If you didn’t create a PIN when you applied for the card, you can request one by calling customer service at (800) 204-5936.

Your Merrick Bank Secured card deposit will be refunded into your bank account when you close the account, less any outstanding balance.Unfortunately there is no way to graduate to an unsecured card and get the deposit refunded that way.

Your Merrick Bank cash advance limit will be a portion on your entire credit limit. Credit limits are individualized, so you can check it on your statement or by calling customer service at 800-204-5936.It's important to mention that cash advances are really expensive, so they should be avoided.

You can check your Merrick bank application status by dialing (800) 253-2322 or (800) 660-8953. The representative will track your Merrick credit card through the reference code you were given at the time of application.You can also check your application status by logging to your account at https://merrickbank.com. Search for the application status tab and you'll be able to check your Merrick bank credit card application status online.

After you apply, the bank will process your application and you will receive an answer by mail within 2-3 weeks. After getting approved, your card should arrive within 2 weeks.

An alternative would be to apply for a credit card from another issuer that would provide an instant decision for online applications. This way, it will only take 7-10 business days to get your new card. You can check out our Editor’s Best credit cards here. Good luck!

Yes, Merrick Bank is a legitimate credit card company, and applying for the Merrick Bank Secured Visa Card is a great way to start building your credit. In order to apply, you will need to submit a security deposit, which will double as your credit line and will be refunded to you in full upon closing your account. You can also check out othersecured credit card offers, as well as find some additional tips onhow to improve your credit andmonitor your credit score for free, right here on WalletHub.

Unfortunately, your only possibility for obtaining a cash advance is from an ATM with a PIN. If you forgot your PIN, call customer service at 1-800-204-5936 for information on how to reset it. Hope this helps!

There is only one Merrick Bank unsecured credit card: the Merrick Bank Platinum Visa. This card is sometimes referred to as the “Double Your Line Visa,” because it offers the opportunity to double your credit limit if you pay on time for the first 7 months the account is open. The Platinum Visa is available to people with bad or no credit, but only people who have been pre-qualified can apply. If you haven’t already received a pre-qualified offer from Merrick Bank by mail, you can check if you’re pre-qualified online.

Merrick Bank does not list APRs or fees for the Platinum Visa on their website. But you’ll be able to see all of the details once you receive a pre-qualified offer. You can read the terms over before deciding to apply.

If you don’t pre-qualify for the Platinum Visa, the only Merrick credit card you will be able to get is the Merrick Bank Secured Visa. It is also marketed toward people with bad, limited or no credit. It’s easy to get approved for because it requires a refundable security deposit of at least $200, up to a maximum of $3,000. The amount of your deposit determines the credit limit. The annual fee is $36 for the first year. But after that, the fee is charged in installments of $3 every month. The Secured Visa’s APR is 19.7% (V).

First off, you need to have a PIN. You can just call them at 800-253-2322 to request it.Once you have that, you can go to just about any ATM, as it's a Visa. Keep in mind though, the fees and interest charges are very high.

Hi, yes some grocery stores actually allow cash back when paying with a major credit card, and the Merrick Bank one is included. Some allow you to get up to $50 cash back in change. Ask at the register to see if this feature is available and definitely ask about the fees. You can also get a cash advance with your credit card at any ATM, but those are extremely expensive and interest starts building up immediately. I'd say avoid those.

It should be 2-3 weeks from when you applied. So you would either get a notification letter in the mail saying you were denied or your card. If you have not heard from them within that time frame, call them at (800) 328-9155, extension 6702.

Unfortunately, Merrick Bank does not disclose its unused card policy. Still, some consumers reported having their card account closed after 1 year of inactivity. To find out if you’re liable, please call customer service at 1-800-204-5936.

Yes, you will need to make the deposit in order to get approved and receive the card. If you do not deposit the funds within 80 days, your application will be deemed withdrawn and you will need to reapply.

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